On Job Training in Branch Banking Operation

Focus to do guideline for management trainee on job
training at different Hijra Bank s.c Branches
Branch Operation
January 21, 2023

Addis Ababa
Key Terms
 CAO: Customer Account Operation
 KYC: Know Your Customer
 NBE: National Bank Of Ethiopia
 FR: Financial Request
 FAF: Financial Approval Form
 NPL: None Performed Loan
 SPM: Special Mention Management
 PA: Performance Appraisal
 MOA: Memorandum of Association
 AOA: Article of Association
 CIF: Customer Information
 FCY: Foreign currency
 ATM: Automated Teller Machine
On job training for Management trainee in branch banking operation

General objective
The general objective of this focus to do guideline is to give direction in Major operational area
in Branch banking operation for Management Trainees.
Specific Objective
 Bring about understanding on the focus area of each branches on those key banking
operation
 Knowing the strategic relevance as well as the function of branch banking operation,
financing operation and trade service operation.
 To develop the practical competence or event based skill of Management trainee on the job
tiring.
 Help them to know Customer account operation (CAO) which involves all activates that
may include knowing all branch operation material like various forms, various stamp,
various tickets etc…..
 Knowing the way how Recruiting potential customer based on proper KYC and product
knowledge, knowing Hijra bank internal policy procedure and NBE external directives and
rules.
Page | 1
Part one
Key operational activity that the MGT trainee must know in branch operations
1.1 Excepted role in Customer acquisition

 Environmental scanning
 Product knowledge and awareness
 Account opening with its eligibility criteria like renewed ID, license, TIN number
photo and other detail information like monthly income and mothers name and CIF
creation and account creation in the system initial deposit etc…….
 Proper KYC implementation
 Customer experience
 The ability to identify key customers like individuals, institutions, associations,
NGOs etc…
1.2 Excepted role in Branch office Operation
 Accepting deposit
 Payment of funds
 Financing of funds
 Clearing checks
 Remittance collection FCY generation
 Lockers and safe custody
 Digital products :- ATMs , mobile banking and internet banking
 Transaction ,authorizations limit and checking
 Book of account management
 Customer profile management
 Branch cash management operation
 Internal controlling issues
 Suspense management issue
 Daily transaction recording and vouching
 User Access management issue
 Exercise the concept of cross and up selling
1.3 Excepted role in compliance
 High engagement culture
 Customer intimacy and communication
 Balanced focus
 Punctuality
 Dressing code
 Customer compliant management
 Complies with Islamic law of sharia standard ,NBE and other policy and procedure
 Complies with internal audit policy and procedure
Page | 2
Part Two
2.1 Key operational activity that the MGT trainee must know in Financing Operations.
 Knowing the banks financing procedure and the assigned duties and responsibility
of the process
 Need to be aware of the governing rule and fencing principles of the bank ,
regulatory organs NBE,
 Resource augmentation and allocation of funds
 Financing documentation e.g FR, licenses, all legal documents, 5c , FAF and other
post sanction and sub documents
 Need to be Aware about financing follow-up case by case physical, financial and
legal
 Need to be Aware about SPM and bad debt (NPLs) on the profit and asset quality of
the bank.
Table: NPL ratio
No Category Days past due Min provision
1 Pass Less than 30 days 1%
2 Special mention 30 to 90 days 3%
3 Substandard 90 to 180 days 20%
4 Doubtful 180-360 days 50%
5 Loss Above 360 days 100%
 Need to be Aware about export and import product.

 Need to be aware about letter of guarantee issuance and proper recording system on
register book.
 Need to be aware about financing security file management in safe custody.
 Need to be aware about sector ,product ,schedule, and collateral on the system
 Halal Insurance policy endorsement.
 Collateral registration in concerned government organ.
 Disbursement.
 Power of representation PA, MOA, AOA.
 Foreclosure and mitigation mechanisms.
Page | 3
Part three
3.1 Key operational activity that the MGT trainee must know in Trade service Operations.
 Compliance to NBE directive FXD 68/2020, existing rule and regulation as well as
procedure and policy of Hijra bank while processing the FCY transaction.
 Need to be aware the operation of foreign currency account and eligibility criteria
for:
i. Residents of Ethiopia
ii. Non-resident Ethiopia
iii. Non-resident Ethiopian origin
 Diaspora account
 Import
 Export
 Remittance
 Correspondent bank and SWIFT
Part Four
The Role and Responsibility of the concerned organ
4. 1 the role of HR department
 Assigned the management trainee in those selected branch.
 Manage the performance of management trainee during the on job training time
aligned with the probation period
 Support the branch manager technically
4.2 The role of Branch operation department
 Closely follow up the day to day activity progress
 Mentoring and evaluation
 Support the branch manager actively
 Prepare final performance appraisal examination
4.3 The role of Branch Manager
 Manage and lead the daily operation based on the guideline.
 Coach and mentor the trainee and be exemplary in performing quality service and
create team work.
 Take charge to capacitate the branch banking knowledge for each and every
management trainee
 Deeply evaluate their level of understanding on banks product and service, their
level of communication, client centric mind seat.
 Report their performance to HR and branch operation at weekly bases
Page | 4
4.4. The expected role of Management trainee during on job training
 Disciplined.
 The ability to serve, to sell and to build good relationship.
 Good communicator.
 Positive attitude.
 Attention to for each detail (the ability stay focused).
 Compliance with banks policy procedure and Islamic law of sharia standards.
 Develop self-confidence.
3.2.4 Expected Result at the end of on job training.
 High level of understanding in Branch Banking operation, financing operation and
Trade service operations
 The performance achievement of the trainee increase
 The operational efficiency and service quality increase
 The role of customer handling and intimacy increase
 The level of understanding compliance with NBE directives and banks policy
procedure increase.
 Their barging power and decision making increase.
Individual performance evaluation format
No
Daily Activity Expected Other Rema
Name of Major activity For 26 Result In Additiona rk
staff (twenty six) A given l Activity
working Days working to be
Days done
Resource mobilization
Financial Wadia saving
parameters Qard current
35%
Non-financial Customer base number of
parameters account opened
Number of productive account
opened
5%
1 Account productivity rate
Digital Number of ATM

Banking
Mobile banking
5% Internet Banking
Page | 5
Corporate Culture Evaluation Criteria 5%
No Criteria Clarification of the criteria Excelle Very Goo Fair
nt Good d
1. Attendance Observing Office hour, rules & regulations

strictly.
2. Office Manner Does the probationer exhibit an acceptance

of code office conduct?
3. Personality Integrity, maturity, self-discipline, manner of

dressing (Characteristics & qualities of the
individual seen as a whole)
4. Ability to Grasp Mental-capacity and alertness to absorb

briefings and demonstrations. Is the
probationer quick or slow to grasp?
5. Neatness of Legibility of writing and its accuracy, ability to

Work maintain office equipment’s, records and
work area.
6. Dependability Devotion and sense of responsibility.
7. Co-operation- Ability to get along with supervisors,

cum-human colleagues and clients.
relations
8. Initiative Ability to act without specific interactions in a

positive manner. Does he/she seek work or
responsibility?
Final evaluation Criteria

Weekly based performance evaluation report …………………50%
Final Examination (Case related) ……………….…….…………40%
Reporting writing skill from Trainees …………………………..10%
Total…………………………………………….……..…………100%
Page | 6

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Focus to do guideline for management trainee on job

training at different Hijra Bank s.c Branches

January 21, 2023

On job training for Management trainee in branch banking operation

1.1 Excepted role in Customer acquisition

 Need to be Aware about export and import product.

Digital Number of ATM

1. Attendance Observing Office hour, rules & regulations

2. Office Manner Does the probationer exhibit an acceptance

3. Personality Integrity, maturity, self-discipline, manner of

4. Ability to Grasp Mental-capacity and alertness to absorb

5. Neatness of Legibility of writing and its accuracy, ability to

6. Dependability Devotion and sense of responsibility.

7. Co-operation- Ability to get along with supervisors,

8. Initiative Ability to act without specific interactions in a

Final evaluation Criteria

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